Bank Comparison
First Bank and Trust Company vs Williamsville State Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First Bank and Trust Company | Williamsville State Bank and Trust |
|---|---|---|
| CET1 Ratio | 20.33% | 40.45% |
| Tier 1 Capital Ratio | 20.33% | 40.45% |
| Total Capital Ratio | 21.58% | 41.04% |
| Tier 1 Leverage Ratio | 10.27% | 14.86% |
| Equity / Assets | 9.64% | 11.36% |
Profitability
| Metric | First Bank and Trust Company | Williamsville State Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 0.49% |
| Return on Equity (ROE) | 9.78% | 4.27% |
| Net Interest Margin (NIM) | 3.40% | 2.90% |
| Yield on Earning Assets | 4.98% | 3.65% |
| Cost of Funds | 1.73% | 0.83% |
Asset quality
| Metric | First Bank and Trust Company | Williamsville State Bank and Trust |
|---|---|---|
| Texas Ratio | 8.71% | 8.55% |
| Non-Performing Loan Ratio | 1.90% | 3.30% |
| Non-Performing Asset Ratio | 0.91% | 0.91% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.69% | 0.78% |
Balance sheet
| Metric | First Bank and Trust Company | Williamsville State Bank and Trust |
|---|---|---|
| Total Assets | $92,370K | $92,198K |
| Total Deposits | $68,604K | $81,179K |
| Total Loans | $44,194K | $25,428K |
| Total Equity | $8,903K | $10,476K |
| Net Income (quarter) | $224 | $113 |
Liquidity & funding
| Metric | First Bank and Trust Company | Williamsville State Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 64.42% | 31.32% |
| Core Deposit Ratio | 95.08% | 99.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank and Trust Company | Williamsville State Bank and Trust |
|---|---|---|
| Headquarters City | MINDEN | WILLIAMSVILLE |
| Headquarters State | NE | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 13 | 20 |
| Established | Sept. 4, 1883, midnight | Jan. 1, 1890, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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